Credit union · NCUA insured
Monterra Credit Union
A $1.9B credit union, the 271st largest of 4,329, headquartered in Redwood City, CA, with 100,322 members and 7 branches in California. Best rates: CDs 3.25% and savings 2.00% APY.
Monterra Credit Union Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#27 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Monterra Credit Union
- Headquarters
- 350 Convention Way, Redwood City, CA 94063
- NCUA charter
- 62736
Branches
7 branches in California
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California
7 branches
- Westlake Branch415 Westlake Ctr, Daly City, CA 94015Directions
- East Palo Alto Branch1735 E Bayshore Rd, East Palo Alto, CA 94303Directions
- Half Moon Bay Branch40 Cabrillo Hwy N, Half Moon Bay, CA 94019Directions
- North Fair Oaks3117 Middlefield Rd, Redwood City, CA 94063Directions
- Redwood City Branch 575 Middlefield Road575 Middlefield Rd, Redwood City, CA 94063Directions
- San Mateo Branch1515 S El Camino Real, San Mateo, CA 94402Directions
- South San Francisco Branch150 El Camino Real, South San Francisco, CA 94080Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.01% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.50% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.98% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $92 | $88 | — |
- CapitalNet worth ratio13.01%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.50%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.98%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$92Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Monterra Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.